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Folio Investing Blog

Investment Insights for the Self-Reliant Investor

The Difference Between Marginal and Effective Tax Rates

Think you’re unlucky? I know a guy who’ll pay 99% of his income in taxes if the Bush-era tax cuts expire at the end of December.

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An Alternative Approach for Drawing Income from Your Portfolio

The question of how to safely generate income from a retirement portfolio is one of the most challenging in financial planning.  In the days when people had traditional pensions, their employers...

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Sector Watch: Municipal Bonds

Municipal bonds are issued by states and municipalities and typically have tax advantages relative to other fixed income assets.  In general, income from muni bonds is tax exempt at the federal...

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Do We Live in the Golden Age of Investing?

Do we live in the golden age of investing?

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Managing Your Portfolio’s Exposure to Interest Rates

Today, the yields on ten-year Treasury bonds are at a fifty-year low, and no period prior to the last few years reflects yields that even come close.  From 1962 to 2005, the lowest the 10-year...

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Saving and Investing for Retirement: Part Four

Generating Income: Part Four of Our Special Five-Part Series

During their working years, investors focus on saving and investing with a goal of building wealth.  As they enter retirement, either...

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Saving and Investing for Retirement: Part Two

Figuring Out Whether You Are On Track: Part Two of Our Special Five-Part Series

Fidelity just came out with a study that estimates that people will need about eight times their final salary level,...

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Saving and Investing for Retirement: Part One

We Are In Trouble: Part One of Our Special Five-Part Series

As the presidential election season of 2012 has gotten underway, there is a massive issue that has gotten very little attention: how...

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The Challenge of Long-Term Income: Part II

In Part I of this article, I explained why I have issues with the traditional idea that individuals should provide for their required level of retirement income (beyond what is provided by Social...

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401(k)s for the Self-Employed

Every once in a while, I receive a stack of paper in the mail from Vanguard addressed to “Plan Administrator,” which gives me an undeserved sense of self-importance.

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